Social Security Planning
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Social Security Planning
For the average worker, Social Security replaces only about 40% of pre-retirement income — and claiming at the wrong time can mean permanently reduced benefits.
One decision, decades of consequences.
Choosing when to retire involves many decisions — including when to begin taking your Social Security benefits. It’s one of the most consequential, and least reversible, choices in retirement.
Before claiming, consider:
Consider the statistics.
The average monthly Social Security retirement benefit as of May 2026 — just under $25,000 a year.1
Nearly 3,000 filing rules — and hundreds of potential filing strategies.2
of Americans could not identify the factors that would allow them to maximize their benefit, per Nationwide research.
in estimated underpayments to 9,224 widow and widower beneficiaries age 70 and above, per a 2018 Inspector General report.4
By law, Social Security Administration employees are not allowed to advise you on when or how to claim your benefits.3
Credentialed for this exact decision.
We can help you develop a strategy to meet your overall retirement income needs. Most of our advisors have achieved the Certified Social Security Claiming Strategies (CSSCS) certification — the only comprehensive retirement training organization in the financial services industry focused exclusively on the nuances of Social Security claiming.
Have you thought about how Social Security may factor into your retirement? A little planning now can go a long way.
Approaching retirement? Let’s talk timing.
A little planning now goes a long way toward living retirement your way. Contact an Ion advisor for a complimentary retirement review.
